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Single Family ResidenceResidential
$371,721$310 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $129,000 on May 21, 2004

286 JAMES RD

POINT ROBERTS, WA 98281
3
Beds
2
Baths
1,200 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$372K
$337K low$406K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$129,000 · May 21, 2004
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$271,721
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$217,377
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.26%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$100,000
QUICKEN LNS · recorded Oct 14, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,434 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$317,753 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$120,450
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$197,303
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$317,753

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.4
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
1
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
1
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyWhatcom
Lot (acres)The size of the land the home sits on, from county records.0.19
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 50 ft²Porch · 200 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Point Roberts Primary School
Elementary · Grades KG–2 · 0.8 mi
M
Blaine Middle SchoolB+
Middle · Grades 6–8 · 14.7 mi
H
Blaine High SchoolB-
High · Grades 9–12 · 14.7 mi

District: Blaine School District

Neighborhood · ZIP 98281These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.197
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.108
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.218

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.25%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.37%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.385
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.59 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,394
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$182,365
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.43%

Ownership

Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

286 James Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 85% of homes in Whatcom County
  • Costs less per square foot than 75% of homes in Whatcom County
  • Smaller than 68% of homes in Whatcom County
  • Newer than 81% of homes in Point Roberts 98281

What homes are worth in Point Roberts 98281

Each bar is how many homes fall in that price range. The marker is this home.

This home
$123K$1.3M

This home is worth more than 49% of homes in Point Roberts 98281.

How it measures up in Point Roberts 98281

The dot is this home. The mark in the middle is the typical home in Point Roberts 98281.

Estimated value$371,721
CheaperTypical $375,474Pricier

Pricier than 49% of homes nearby

Price per ft²$310
CheaperTypical $344Pricier

Pricier than 35% of homes nearby

Living area1,200 ft²
SmallerTypical 1,056 ft²Bigger

Bigger than 59% of homes nearby

Lot size0.19 ac
SmallerTypical 0.2 acBigger

Bigger than 42% of homes nearby

Year built2004
OlderTypical 1975Newer

Newer than 81% of homes nearby

How 286 James Rd ranks against every home in each area.
MeasureThis homePoint Roberts 98281Whatcom County
Estimated valuepricier than$371,72149% of homes15% of homes
Price per ft²pricier than$31035% of homes25% of homes
Living areabigger than1,200 ft²59% of homes32% of homes
Lot sizebigger than0.19 ac42% of homes37% of homes
Year builtnewer than200481% of homes77% of homes

About 286 James Rd

How much is 286 James Rd, Point Roberts, WA worth?

The TopHap Estimate for 286 James Rd, Point Roberts, WA is $371,721 as of Jul 14, 2026. The likely range is $337,406 to $406,036. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 286 James Rd, Point Roberts, WA last sell?

286 James Rd, Point Roberts, WA last sold on May 21, 2004 for $129,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 286 James Rd, Point Roberts, WA?

286 James Rd, Point Roberts, WA has 3 bedrooms, 2 bathrooms, 1,200 square feet of living space and a 0.19-acre lot.

When was 286 James Rd, Point Roberts, WA built?

286 James Rd, Point Roberts, WA was built in 2004, making it 22 years old. The building has 1 story.

What schools serve 286 James Rd, Point Roberts, WA?

286 James Rd, Point Roberts, WA is assigned to Point Roberts Primary School (elementary); Blaine Middle School (middle), rated B+; Blaine High School (high), rated B-. All sit in Blaine School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 286 James Rd, Point Roberts, WA compare to other homes in Point Roberts 98281?

Among the 2,373 homes in Point Roberts 98281, it is worth more than 49% of them ($371,721 against a typical $375,474), its price per square foot is higher than 35% of them ($310 against a typical $344), it is bigger than 59% of them (1,200 ft² against a typical 1,056 ft²), its lot is bigger than 42% of them (0.19 ac against a typical 0.2 ac) and it is newer than 81% of them (2004 against a typical 1975). Measured against all of Whatcom County, it is worth more than 15% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 286 James Rd, Point Roberts, WA?

The 2024 property tax bill for 286 James Rd, Point Roberts, WA was $2,434. The county assessed it at $317,753.

Closest homes

More homes in Point Roberts 98281

Assigned schools

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